Nevada resident Derek Reich lost his income as a freelance cameraman. He says his lender told him he'd have to make up any missed payments in a giant balloon payment he can't afford. Then he was told that if he didn't qualify for a better option, "you're going into foreclosure." So Reich says he's going to spend his 401(k) retirement money rather than get the help that Congress wanted him to have. (Courtesy of Derek Reich)
